The PIXEL Go HDFC Bank Credit Card is a digital-first rewards credit card designed for users who prefer app-based banking, UPI payments, and seamless online transactions. Integrated with the PayZapp mobile app, the card offers cashback benefits on UPI payments, SmartBuy purchases, dining, and everyday spending categories. Users can manage the entire credit card lifecycle digitally, including application, activation, EMI conversion, and rewards redemption. The card also supports contactless payments, Scan & Pay functionality, and flexible repayment options. With low joining fees and fee waiver benefits, the PIXEL Go HDFC Bank Credit Card is ideal for digitally active customers and everyday spenders.
Overview of PIXEL Go HDFC Bank Credit Card
The PIXEL Go HDFC Bank Credit Card is built for a digital lifestyle with cashback, UPI integration, and app-based card management.
| Feature | Details |
| Card Type | Digital-first Rewards Credit Card |
| Primary Cashback | 1% on UPI and eligible spends |
| SmartBuy Benefit | 5% cashback on SmartBuy |
| Reward Currency | PIXEL CashPoints |
| Card Management | HDFC Bank PayZapp App |
| Network Options | RuPay (Digital) and Visa (Physical) |
| Interest-Free Period | Up to 50 days |
| Contactless Payments | Supported |
| EMI Facility | Available |
| Fuel Surcharge Waiver | Available on eligible transactions |
The card is suitable for users who frequently transact through UPI, mobile apps, and digital payment platforms.
Eligibility Criteria for PIXEL Go HDFC Bank Credit Card
Applicants must satisfy HDFC Bank’s eligibility conditions related to age, nationality, income, and credit profile.
Salaried Individuals
- Applicant must be an Indian national.
- Age should be between 21 and 60 years.
- Minimum monthly income should be ₹12,000 or above.
Self-Employed Individuals
- Applicant must be an Indian national.
- Age should be between 21 and 65 years.
- Annual ITR should exceed ₹6,00,000.
FD-Backed Card Option
Applicants may also apply through a Fixed Deposit-backed facility:
- No credit score required
- No income proof required
- Credit limit available up to 90% of the FD value
Documents Required for PIXEL Go HDFC Bank Credit Card
The card application process is fully digital and requires standard KYC and identity verification documents.
Identity Proof
Applicants may submit:
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
Address Proof
Accepted address proof documents include:
- Utility bills
- Aadhaar Card
- Passport
- Voter ID
- Rental agreement
- Bank statements
Additional Requirements
- Passport-size photographs
- Mobile number linked with Aadhaar for OTP verification
- Video KYC completion, if required
For FD-backed variants, documentation requirements may vary according to HDFC Bank’s onboarding process.
Also Read: HDFC Pixel Play Credit Card
Fees & Charges for PIXEL Go HDFC Bank Credit Card
The PIXEL Go Credit Card offers a low annual fee structure with spend-based waiver benefits.
| Fee Type | Amount / Condition |
| Joining Membership Fee | ₹250 + applicable taxes |
| Renewal Membership Fee | ₹250 + applicable taxes |
| Joining Fee Waiver | Spend ₹10,000 within 90 days |
| Renewal Fee Waiver | Spend ₹50,000 in the previous 12 months |
| Fuel Surcharge Waiver | 1% waiver on eligible fuel spends |
| Fuel Waiver Eligibility | Transactions between ₹400 and ₹5,000 |
| Fuel Waiver Cap | Up to ₹250 per statement cycle |
| Interest-Free Period | Up to 50 days |
| EMI Conversion Charges | Applicable as per HDFC Bank policy |
| Late Payment Charges | Applicable according to the outstanding balance |
The bank may revise fees and applicable terms periodically.
Steps to Apply for the PIXEL Go HDFC Bank Credit Card
The application process is fully digital and primarily managed through the PayZapp mobile application.
Online Application Process
- Download or update the HDFC Bank PayZapp app.
- Open the app and locate the “Apply Now for PIXEL CREDIT CARD” banner.
- Enter your mobile number and basic details.
- Complete identity verification through OTP.
- Fill in personal, employment, and income information.
- Upload required KYC documents if requested.
- Complete Video KYC where applicable.
- Submit the application for review and approval.
- Once approved, activate the card and set your billing cycle preferences.
FD-Backed Card Application
Applicants opting for the FD-backed option can:
- Open a Fixed Deposit through PayZapp.
- Apply for a PIXEL Go card against the FD.
- Receive a credit limit up to 90% of the FD amount.
Also Read: HDFC MoneyBack Credit Card
Track PIXEL Go HDFC Bank Credit Card Application Status
Applicants can conveniently monitor the progress of their application digitally.
Steps to Track Application Status
- Open the PayZapp app or visit the HDFC Bank website.
- Navigate to the “Track Your Credit Card” section.
- Enter the application reference number or registered mobile number.
- Complete OTP verification if required.
- Submit the details.
- View the real-time application status online.
Features & Benefits of PIXEL Go HDFC Bank Credit Card
The PIXEL Go HDFC Bank Credit Card offers cashback rewards, UPI compatibility, EMI flexibility, and digital-first convenience.
Cashback on UPI & Eligible Transactions
Earn 1% cashback on:
- UPI transactions through the RuPay variant
- Eligible retail transactions
Cashback is credited in the form of:
- PIXEL CashPoints
SmartBuy Cashback Benefits
- Earn 5% cashback on eligible transactions through HDFC SmartBuy.
This includes:
- Shopping
- Travel bookings
- Lifestyle purchases through partner merchants
PIXEL CashPoints Rewards
- Cashback is accumulated as PIXEL CashPoints.
- Redemption available through PayZapp.
Redemption Eligibility
- Minimum 500 CashPoints required for redemption.
Redemption Options
- Brand vouchers
- Lifestyle rewards
- Partner merchant offers
UPI Integration with RuPay
- Link the RuPay variant with PayZapp.
- Use Scan & Pay for merchant transactions.
- Enjoy seamless UPI payment functionality.
Dining Benefits
- Get up to 10% discount on restaurant bills through Swiggy Dineout.
- Access partner restaurant deals and dining offers.
Easy EMI Conversion
Cardholders can:
- Convert purchases into EMIs instantly
- Convert outstanding balances into flexible repayment plans
EMI management is available directly within the PayZapp app.
Fuel Surcharge Waiver
- Receive 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
- Waiver capped at ₹250 per statement cycle.
Contactless Payments
The card supports:
- Tap & Pay for offline transactions
- Scan & Pay through UPI
- Swipe to Pay for online transactions without OTP in eligible cases
This enhances payment speed and convenience.
Swipe to Pay Feature
- Enables secure online payments without SMS OTP for eligible merchants.
- Simplifies checkout experience for frequent online shoppers.
Interest-Free Credit Period
- Enjoy up to 50 days of interest-free credit on purchases.
Also Read: HDFC Bank Personal Loan
HDFC Bank Credit Card Customer Care Number
HDFC Bank offers multiple support channels for PIXEL Go cardholders.
| Service Category | Customer Care Details |
| General Helpline (Across India) | 1800 1600 / 1800 2600 |
| International Helpline (Customers Abroad) | +91 22 61606160 |
| Dedicated Premium Support (Infinia, Diners Black, Imperia) | +91 22 61717606 |
| Service Helpline (Queries & Assistance) | 1800 258 5616 |
| Toll-Free Complaint Number (India Only) | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
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